The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$28,202
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,079
−HK$892/mo
Today · 4.125%
HK$29,971
baseline
▲ 0.50% · 4.625%
HK$31,794
+HK$1,823/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,942/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,374
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,216
−HK$854/mo
Today · 4.125%
HK$33,070
baseline
▲ 0.50% · 4.625%
HK$34,813
+HK$1,743/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,140/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,842
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,895
−HK$1,070/mo
Today · 4.125%
HK$35,965
baseline
▲ 0.50% · 4.625%
HK$38,153
+HK$2,188/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,930/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,649
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,659
−HK$1,024/mo
Today · 4.125%
HK$39,683
baseline
▲ 0.50% · 4.625%
HK$41,775
+HK$2,092/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,366/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,483
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,711
−HK$1,248/mo
Today · 4.125%
HK$41,959
baseline
▲ 0.50% · 4.625%
HK$44,512
+HK$2,553/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,918/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,924
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,102
−HK$1,195/mo
Today · 4.125%
HK$46,297
baseline
▲ 0.50% · 4.625%
HK$48,738
+HK$2,441/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,594/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,764
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,343
−HK$1,604/mo
Today · 4.125%
HK$53,947
baseline
▲ 0.50% · 4.625%
HK$57,230
+HK$3,283/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,894/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,474
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,989
−HK$1,536/mo
Today · 4.125%
HK$59,525
baseline
▲ 0.50% · 4.625%
HK$62,663
+HK$3,138/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,050/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,797 · Scale 2, in force from 26 Feb 2026)